A straight account of what a horse costs – both to buy and to keep, month by month. Livery, forage, herrador, insurance, and the contingency fund you ought to have for the unexpected.
Knowing what a horse costs is not about taking the edge off the dream – it is about making it last. Work the figures before you buy, and you can give the horse a secure life without putting yourself under strain. Here we cover both the one-off cost of buying and what it actually costs to keep a horse month by month, with honest figures for Swedish conditions.
The purchase price itself varies enormously with breed, age, adiestramiento and record. An older, established companion or paseo horse can start from around 20 000 kronor, while a well-schooled competition horse can fetch well over 300 000 kronor. But the purchase is only the beginning – factor in everything you need to get started.
Most horse owners in Sweden spend between 4 000 and 6 000 kronor a month on their horse, and the full range is roughly 3 000 to 9 000 kronor depending on where you live and how the horse is kept. That can come to over 100 000 kronor a year. The largest fixed costs are pensión and forage, followed by insurance and the herrador.
| Cost | Typical range per month |
|---|---|
| Livery / cuadra rent | 2 000–6 000 kr |
| Forage and bedding* | 700–1 500 kr |
| Farrier (spread across the month) | 500–1 200 kr |
| Insurance (excluding mortality cover) | 200–800 kr |
| Preventive care (vaccinations, dentistry, worming) | 150–300 kr |
On top of that come training, competing and transport for those who want them – costs that can mount up, but that you control yourself. The herrador usually comes every 6–8 weeks, and a full set of shoes typically costs 1 400–2 000 kronor a visit.
Livery is the item that varies most across the country. In the Stockholm area a cuadra place averages around 5 000–7 000 kronor a month, and in some yards it can reach 10 000 kronor. In parts of Norrland the same place can cost under 2 000 kronor. Uppsala and Skåne are among the more expensive regions too.
How you keep the horse matters just as much. Loose housing, where the horse lives out around the clock, is usually the cheapest. DIY pensión – you rent the box and paddock but look after feed and bedding yourself – sits in the middle. Full pensión, where the yard handles feeding, turnout and daily care, is the most expensive but the least labour-intensive.
Beyond the running costs, it is the sudden bills that really test a horse owner's finances. Emergency veterinary visits are the most common: colic that needs surgery can cost from a few thousand kronor to over 100 000 kronor, and a few days in an equine hospital can run up a steep bill very quickly. Lameness work-ups and back problems can also mean both veterinary treatment and new material.
The key to secure horse-keeping is to count before, not after. Add up your fixed monthly costs, put in a line for the unexpected, and be honest with yourself about what your finances can carry over time – the horse is meant to stay with you for many years.
If you want to keep the horse's finances in order over time, you can use the Hästannons accounts and bookkeeping tools to track your costs month by month – especially useful if you have several horses or run a business.
Most horse owners in Sweden spend between 4 000 and 6 000 kronor a month, and the full range is roughly 3 000–9 000 kronor depending on the region and how the horse is kept. The largest items are pensión and forage, followed by insurance and the herrador. On top of that come any training, competing and transport.
El precio de compra oscila entre unas 20.000 coronas por un caballo de compañía mayor y más de 300.000 coronas por un caballo de competición bien educado. Además de la compra, vienen los arreos básicos (entre 5.000 y 50.000 coronas o más), una investigación previa a la compra y el transporte.
Una regla general es entre 15.000 y 50.000 coronas por caballo, cantidad suficiente para cubrir al menos una factura veterinaria importante. Ajuste el amortiguador a la edad y al uso del caballo, así como a su franquicia y cobertura de seguro: una operación de cólicos puede costar más de 100.000 coronas.
Sí. La librea cuesta más en el área de Estocolmo, con un promedio de entre 5.000 y 7.000 coronas al mes y, a veces, alcanza las 10.000 coronas, seguidas de cerca por Uppsala y Skåne. En algunas partes de Norrland, el mismo establo puede costar menos de 2.000 coronas al mes.
Varía de un patio a otro. A menudo se incluye forraje, pero no siempre. La librea completa normalmente cubre la alimentación, la asistencia y el cuidado diario, a menudo con acceso a una escuela cubierta y a un estadio al aire libre. En el caso de los muebles de bricolaje, tú mismo se ocupa del alimento y de la ropa de cama, y las viviendas sueltas suelen ser la opción más barata.
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